Quick answer: Supply chain finance is funding structured around a business’s relationship with its suppliers or buyers — typically used to extend payment terms to suppliers or accelerate payment from buyers, improving cash flow across an entire chain rather than for one business alone. For most South African SMEs, the funding need supply chain finance describes is more commonly met through trade finance, purchase order funding, or invoice discounting — which is what New Heights Finance arranges through its lender panel.
Funding structured around buyer-supplier payment terms across a supply chain
Who typically uses it
Larger buyers extending supplier payment terms, or suppliers wanting early payment
SME alternative
Purchase order funding or invoice discounting often solve the same underlying need
Who arranges it
New Heights Finance, as a broker, across a panel of lenders
What is supply chain finance?
Supply chain finance is typically a buyer-led arrangement: a larger buyer sets up financing so its suppliers can be paid early, while the buyer itself gets extended payment terms. It differs from simple invoice discounting, where a seller alone arranges financing against their own unpaid invoices, without a buyer’s involvement in setting up the programme.
How does supply chain finance differ from trade finance, PO funding and invoice discounting?
Supply chain finance
Trade finance
Purchase order funding
Invoice discounting
Built around
The buyer-supplier relationship as a whole
Importing and exporting goods
Fulfilling a specific, confirmed order
A business’s own unpaid invoices
Typically used by
Larger buyers and their supplier networks
Importers and exporters
Businesses that have won an order but need funds to fulfil it
Part of a larger buyer’s formal supply-chain financing programme? That’s typically arranged directly by the buyer with their own financing partner, rather than something an individual supplier sources independently
Who typically offers supply chain finance in South Africa?
Larger, structured supply-chain finance programmes are typically arranged by big buyers — retailers, manufacturers — with institutional financing partners, rather than sourced independently by an individual SME supplier. If you’re an SME looking to solve a cash-flow gap tied to orders or invoices, purchase order funding or invoice discounting are the more directly accessible routes — and where New Heights Finance can help.
FAQs
Is supply chain finance the same as invoice discounting?
Not quite. Invoice discounting is arranged by an individual business against its own invoices, while supply chain finance is typically a larger, buyer-led programme covering an entire supplier network.
Can a small supplier arrange its own supply chain finance?
Usually not independently — it’s typically the larger buyer who sets up the programme. An individual SME supplier looking for similar cash-flow benefits is usually better served by invoice discounting or purchase order funding.
Does New Heights Finance arrange supply chain finance?
New Heights Finance’s panel is focused on the funding types most South African SMEs can access directly — purchase order funding and invoice discounting. Get in touch to discuss which fits your situation.
What’s the difference between supply chain finance and trade finance?
Trade finance specifically supports importing and exporting goods. Supply chain finance is a broader term covering financing arrangements across a buyer’s supplier network, which may or may not involve international trade.
Quick answer: Accounts receivable financing — also called receivables finance — is funding raised against the value of a business’s unpaid customer invoices, giving access to cash before customers actually pay. In South Africa, this is most commonly arranged as invoice discounting. See our invoice discounting page for how New Heights Finance arranges this type of funding, with facilities starting from a R50,000 minimum and funds typically available within 24 hours of approval.
A percentage of the invoice value upfront; the balance, less fees, on customer payment
Who arranges it
New Heights Finance, as a broker, across a panel of lenders — see invoice discounting
What is accounts receivable financing?
A business’s “accounts receivable” is the money owed by customers for goods or services already delivered, usually on 30-to-90-day payment terms. Accounts receivable financing unlocks the value of those outstanding invoices early, rather than waiting the full payment term for customers to pay.
Is accounts receivable financing the same as invoice discounting?
Yes — in South Africa’s market, these terms describe essentially the same thing: funding advanced against unpaid invoices. “Accounts receivable financing” is more of an accounting and finance-textbook term, while “invoice discounting” is the term more commonly used by South African lenders and brokers, including New Heights Finance. See our invoice discounting page for how it works here, including facility minimums and typical turnaround.
How does accounts receivable financing work?
You issue an invoice to a customer on standard payment terms (typically 30 to 90 days).
A lender advances a percentage of that invoice’s value upfront.
Your customer pays the invoice as normal, on its due date.
The lender releases the remaining balance, less fees.
Accounts receivable financing vs other working capital options
Accounts receivable financing
Working capital loan
Purchase order funding
Based on
The value of issued, unpaid invoices
Turnover and trading history
A confirmed customer order, before invoicing
Best for
Businesses waiting on slow-paying customers
A general cash-flow gap
Fulfilling an order before you’re able to invoice
Security
Effectively secured against the invoice itself
Varies by lender
Effectively secured against the order
Who qualifies for accounts receivable financing?
Lenders typically look at the creditworthiness of your customers — since they’re the ones ultimately paying the invoice — alongside your own trading history and the overall quality of your debtor’s book.
FAQs
What’s the difference between accounts receivable financing and factoring?
They’re closely related — both advance funds against invoices. Financing or discounting is usually confidential (your customer doesn’t know it’s happening), while factoring often involves the funder managing collections directly. Confirm which structure a specific lender offers before signing.
Can I finance just one invoice, or does it have to be my whole debtor’s book?
This varies by lender. Some offer facilities against your full book of invoices, while others can fund selected invoices individually — speak to New Heights Finance to confirm the structures available on its current lender panel.
Is accounts receivable financing secured or unsecured?
It’s effectively secured against the invoices themselves, rather than requiring a separate asset as collateral.
Does New Heights Finance arrange accounts receivable financing?
Yes — New Heights Finance arranges this as invoice discounting through its lender panel, with facilities starting from a R50,000 minimum. See our invoice discounting page for detail and to get started.
Quick answer: A management buyout (MBO) is when a company’s existing management team buys the business from its current owner, and management buyout finance is the funding structure that makes this possible — typically a mix of the management team’s own capital, senior debt, and sometimes mezzanine finance or seller financing to bridge the gap. New Heights Finance, as a broker, can advise on how to structure the funding and connect management teams with lenders on its panel.
Funding for a company’s management team to buy the business from its current owner(s)
Typical structure
A mix of management’s own capital, senior debt, and sometimes mezzanine or seller financing
Who it’s for
Management teams, family businesses planning succession, owners looking to exit
Who arranges it
New Heights Finance, as a broker, across a panel of lenders
What is a management buyout?
A management buyout is when the people already running a company — its existing management team — buy the business from its current owner(s), rather than the owner selling to an outside party. It’s a common route for succession planning, private equity exits, and divestment of a division to the team already running it. A related structure, a management buy-in (MBI), is when an outside team buys in and takes over management — the funding principles are similar, but the buyer isn’t already inside the business.
How is a management buyout funded?
The management team contributes its own capital — usually a smaller share of the total purchase price, but a meaningful one lenders want to see.
Senior debt is raised against the business’s assets and cash flow.
A funding gap often remains between what senior debt will cover and the agreed purchase price.
That gap may be filled with mezzanine finance, seller financing (the seller agrees to deferred payment), or additional equity investors.
Why do management buyouts happen?
Succession planning — an owner nearing retirement wants continuity rather than selling to an outside party
Private equity exits — a PE-backed company’s management buys out the fund’s stake
Divestment — a larger group sells off a division to its own management team
What do lenders look for in a management buyout?
A credible, experienced management team with a genuine track record in the business
Strong, stable cash flow to service the new debt
A clear business plan for the period after the buyout
A realistic valuation of the business being acquired
Management buyout finance vs other business acquisition funding
Management buyout finance
Standard acquisition loan
Mezzanine finance
Buyer
The company’s own existing management team
Any buyer, internal or external
Used alongside either, to fill a gap
Typical structure
A blend of management equity, senior debt, and sometimes mezzanine
An MBO is the existing management team buying the business. An MBI (management buy-in) is an outside team buying in and taking over management. The funding principles are similar in both cases.
How much of their own money does management need to put in?
It varies by deal and by lender appetite, but management is typically expected to contribute meaningfully alongside debt funding. Exact proportions depend on the business and the specific lenders involved.
Can a management buyout be 100% funded by debt?
It’s uncommon. Lenders generally want to see the management team has meaningful capital at risk, alongside debt and any mezzanine or seller financing used to close the funding gap.
Does New Heights Finance arrange management buyout finance directly?
New Heights Finance, as a broker, can advise on structuring an MBO’s funding and connect management teams with lenders on its panel suited to acquisition finance.
Quick answer: A merchant cash advance (MCA) is funding repaid as a fixed percentage of a business’s future card or digital sales, rather than fixed monthly instalments — common among South African fintech lenders serving card-based retailers. For many SMEs, the underlying need an MCA meets — fast, flexible funding not tied to a rigid repayment date — is also met by an unsecured business loan or working capital facility, which is what New Heights Finance arranges through its lender panel.
Funding repaid as a percentage of ongoing card/digital sales, not fixed instalments
Best suited to
Businesses with high, consistent card or digital payment turnover (retail, hospitality, e-commerce)
Repayment
Deducted automatically as a share of sales — slows in quiet periods, speeds up in busy ones
NHF’s role
Advises on and arranges unsecured or working-capital funding as an alternative route to the same cash-flow need
What is a merchant cash advance?
A merchant cash advance is funding advanced against a business’s future card or digital payment turnover. Rather than a fixed loan repayment, the provider takes an agreed percentage of daily card sales (often via the same payment terminal or gateway the business already uses) until the advance, plus a fee, is repaid. It’s most common among South African fintech lenders serving retail, hospitality and e-commerce businesses with consistent card-based income.
How is a merchant cash advance different from a business loan?
The core difference is how repayment works. A business loan has a fixed instalment and a fixed term, regardless of how sales perform week to week. An MCA’s repayment moves with sales — you pay less in a slow week and more in a busy one — but the total amount owed doesn’t shrink just because trade is slow, so a prolonged downturn simply extends how long repayment takes.
Merchant cash advance vs unsecured business loan
Merchant cash advance
Unsecured business loan
Repayment
A percentage of daily card/digital sales
Fixed instalments over an agreed term
Based on
Card/payment turnover
Turnover and trading history broadly
Best for
High card-turnover retail/hospitality/e-commerce businesses
Most SMEs, regardless of payment mix
Cost structure
A factor rate, not an interest rate — can be harder to compare
A clear interest rate and term
Is a merchant cash advance right for your business?
If most of your revenue runs through a card machine or online payment gateway and you want repayment that flexes automatically with sales, an MCA-style product may suit. If your income isn’t primarily card-based, or you’d rather have a clear, fixed repayment schedule you can budget around, an unsecured business loan or working capital loan is usually the more straightforward option — and is what New Heights Finance arranges through its panel of lenders.
What does a merchant cash advance cost?
MCAs are typically priced as a factor rate rather than a standard interest rate — for example, repaying 1.2 to 1.4 times the amount advanced. Because this isn’t expressed as an APR, it can be harder to compare directly against a loan’s interest rate. Always work out the total amount you’ll repay, not just the headline factor, before comparing options.
Can I get a merchant cash advance with bad credit?
MCA providers often weigh card turnover more heavily than credit score, which can make this type of funding accessible to some businesses a bank would decline. That doesn’t mean approval is guaranteed — criteria vary by provider, and a weak or inconsistent card-sales history can still count against an application.
FAQs
Is a merchant cash advance a loan?
Not technically — it’s usually structured as a sale of future receivables at a discount, rather than a loan, which means it isn’t regulated in the same way lending is. Read any agreement carefully before signing.
Does New Heights Finance offer merchant cash advances directly?
New Heights Finance, as a broker, focuses on arranging unsecured and working-capital funding through its lender panel. See unsecured business loans and working capital loans for the options NHF can help arrange.
What’s cheaper, an MCA or a business loan?
It depends on the factor rate versus the interest rate, and how quickly each is repaid — always compare the total repayment amount, not just the headline number.
Can a startup get a merchant cash advance?
Usually not — MCA providers typically need an established card or digital payment sales history to base the advance on, which a brand-new business won’t yet have.
What happens if my sales drop after taking an MCA?
Repayment is usually tied to a percentage of sales, so it slows down automatically. The total amount owed doesn’t reduce, though, so a prolonged downturn extends how long repayment takes rather than reducing what’s owed.
Quick answer: Franchise finance is funding used to buy into, open, or expand a franchise — covering the franchise fee, setup costs, equipment, and working capital. Options in South Africa include banks’ dedicated franchise finance divisions, government-backed funds for specific sectors, and funding arranged through a broker like New Heights Finance, which shops your application across a panel of lenders rather than a single source.
Franchise fees, setup/fit-out costs, equipment, stock, and working capital
Common sources
Major banks’ franchise finance divisions, government-backed funds (sector-specific), private lenders via a broker
Typical requirement
A franchise agreement with an established, vetted franchisor
Who arranges it
New Heights Finance, as a broker, across a panel of lenders
What is franchise finance?
Franchise finance is funding specifically for buying into, opening, or expanding a franchise. It’s usually assessed a little differently from a general business loan, because lenders weigh the track record and strength of the franchisor’s system — not just the individual applicant — alongside the usual factors like credit history and business plan.
What can franchise finance be used for?
The franchise fee itself
Store or premises fit-out and equipment
Initial stock
Working capital to get through the early trading period
Where can you get franchise finance in South Africa?
Major banks run dedicated franchise finance divisions, often with pre-approved terms for specific, well-established franchise brands.
Government-backed funds, such as sector-specific development funds, can offer favourable terms but often come with narrower eligibility criteria and longer processing times.
A broker, like New Heights Finance, doesn’t lend directly but shops your application across a panel of lenders to find the best fit — useful if your franchise brand isn’t on a bank’s pre-approved list, or you simply want to compare more than one offer.
What do lenders look for in a franchise finance application?
The franchisor’s track record and system strength — an established, proven franchise is generally easier to fund than a brand-new one
Your own contribution or deposit toward the total cost
A realistic business plan for the specific site or territory
Your personal credit record and any relevant industry or management experience
Franchise finance vs a standard business loan
Franchise finance
Secured business loan
Unsecured business loans
Assessed partly on
The franchisor’s track record, not just the applicant
The asset offered as security
Turnover and trading history
Typical use
Buying into, opening, or expanding a franchise specifically
Any business purpose, backed by an asset
General business funding needs
Common sources
Banks’ franchise divisions, government funds, brokers
Broad lender panel
Broad lender panel
FAQs
Do I need my own deposit to get franchise finance?
Most lenders expect the franchisee to contribute a portion of the total cost themselves. The exact proportion varies by lender and franchise brand.
Is it easier to get finance for a well-known franchise brand?
Generally yes — lenders often have more confidence in franchise systems with an established trading record, which can mean faster decisions or more favourable terms.
Can I get franchise finance for a brand-new franchise concept?
It’s possible but typically harder, since lenders have less of a track record to assess. Expect more scrutiny of your own business plan and experience in these cases.
Does New Heights Finance arrange franchise finance directly?
New Heights Finance, as a broker, doesn’t lend directly but matches franchise finance applications to suitable lenders on its panel — useful alongside, or instead of, a single bank’s franchise finance division.
Asset-backed loans allow individuals to access quick funding by using personal belongings like jewelry, vehicles, or electronics as collateral. Unlike traditional financing, approval depends on the item’s resale value and condition rather than the borrower’s credit history or income level.
The lending process typically involves an evaluation, a loan offer based on the asset’s market value, and rapid payout. While these loans offer flexible and fast capital, borrowers risk losing their property if the debt is not repaid according to the agreed terms.
How to Borrow Money Using What You Own
For South African entrepreneurs, independent executives, and high-turnover individuals, managing short-term cash flow is an essential part of driving business growth. When an unexpected corporate opportunity arises or temporary liquidity bottlenecks occur, traditional financial channels often prove too slow or rigid. If your financial profile includes irregular dividend streams or capital heavily tied up in enterprise investments, retail banks can easily delay your progress with months of administrative paperwork.
In these specific scenarios, looking into a loan against goods or a loan against assets offers a highly strategic alternative. Rather than navigating complex personal credit assessments, this asset-backed option allows you to secure immediate cash flow by leveraging the tangible value of items you already own. Knowing how to leverage your personal possessions enables you to protect your long-term capital while quickly accessing short-term liquidity.
What is an asset-backed loan?
Defining Asset-Based Financial Frameworks
To utilize this option effectively, it is vital to understand the underlying mechanics of asset-backed finance. A loan against goods is a specialized short-term credit structure where a physical item of value serves as direct collateral for the transaction. This format shifts the underwriter’s primary risk assessment away from your historical payroll status or personal credit score.
Instead of focusing on income statements, specialized lenders look primarily at:
The current appraised market value of your item.
The immediate resale demand for that specific asset class.
The overall physical condition and authenticity of the goods.
This structure is widely known across South Africa as a personal asset loan, an asset-secured advance, or borrowing money against assets.
What assets and goods can be used for liquidity?
The alternative financial market accepts a wide variety of high-value items, allowing asset-rich individuals to select the best collateral for their needs.
Premium Valuables and Luxury Jewellery
High-net-worth individuals frequently look for a loan against jewellery to raise short-term capital. This asset class remains a top choice for luxury asset financing because premium materials hold their value exceptionally well through changing market conditions.
When exploring options to borrow money against jewellery, standard acceptable assets include:
Certified gold jewellery, bullion, and rare Kruger Rands.
High-grade diamond rings and loose precious gemstones accompanied by grading certificates.
Luxury Swiss watches from heritage brands like Rolex, Patek Philippe, and Cartier.
These items are highly valued by alternative lenders because they are easy to authenticate, hold value over time, and have a steady global resale market.
Fully Paid-Up Vehicles and Logistics Assets
Motor vehicles represent another major asset class used to secure substantial short-term funding lines. If you own a private vehicle, an executive SUV, or a commercial logistics fleet, you can use these assets to unlock significant capital.
The main requirement is that the vehicle must be fully paid-up, or have substantial existing equity built up if a bank finance agreement is nearing completion. The vehicle must be fully operational, registered in your name or your company’s name, and free of any legal ownership disputes or active court orders.
High-Value General Goods and Equipment
Beyond luxury items and vehicles, the broader category of “loans on assets” covers several high-value commercial and personal items. This option is highly useful for business operators who hold valuable machinery or technology assets on their corporate balance sheets.
Acceptable items in this category include premium digital electronics, specialist photography setups, high-end industrial machinery, and authenticated fine art collections. These assets allow you to unlock business capital without interrupting your main investment portfolios.
How much capital can you raise against your valuables?
The total funding you can access through asset-secured credit lines is determined by a metric known as the Loan-to-Value (LTV) ratio. Unlike traditional banks that may look at your overall net worth, alternative underwriters focus purely on the immediate liquidation value of the asset you pledge.
Navigating Loan-to-Value (LTV) Boundaries
Most specialized lenders in South Africa offer capital advances ranging between 30% and 70% of the item’s verified market value. This safety margin protects the transaction against sudden market drops and covers the storage and security costs required to look after the asset during the agreement.
Illustrative Funding Allocation Model
Asset Category Class
Verified Market Valuation
Typical Funding Range (30% – 70%)
Core Evaluation Factor
Luxury Swiss Timepiece
R100,000
R30,000 – R70,000
Brand model rarity and service history logs.
Certified Diamond Ring
R50,000
R15,000 – R35,000
International clarity, color, and carat grading.
Paid-Up Executive SUV
R400,000
R120,000 – R280,000
Mileage verification and service book records.
Specialist Production Gear
R80,000
R24,000 – R56,000
Technological relevance and current demand.
To find out what’s possible for your unique situation, working with a professional broker helps you identify which assets will secure the most competitive terms within our lender network.
The step-by-step brokerage process: How it works
Navigating an asset-secured transaction through a broker is designed to be fast, discreet, and highly professional, minimizing the downtime often found in traditional funding routes.
The Standard Operational Journey
Step 1: Specialized Valuation: Expert appraisers within our lender network examine your item to verify its authenticity, condition, and market value.
Step 2: Capital Structuring: You receive a transparent, asset-backed offer based on a percentage of the item’s verified value.
Step 3: Contract Finalization: The terms, storage protocols, and repayment schedules are confirmed in a formal agreement, with zero hidden clauses.
Step 4: Rapid Disbursement: Once signed, the funds are paid over into your bank account—frequently within 24 to 72 hours.
This clear process shows why we can confidently say “we say yes! a lot,” as our focus centers on the proven value of your asset rather than complex paperwork.
Retention of possessions: Storage vs. continued use
A common question for individuals looking for a loan against item options is whether they can keep using the asset during the agreement. The answer depends entirely on the type of asset and how the agreement is structured.
Secure Vault Storage (Standard for Valuables)
For smaller, high-value items like luxury jewellery, Swiss watches, or fine art, the asset is placed in secure storage with the lender. While the agreement is active, the item is kept in highly secure, fully insured vaults, and you will not have access to it. Once the agreement is settled in full, the asset is returned to you in its exact original condition.
Continued Asset Utilization (Vehicle Options)
For larger assets like commercial vehicles or executive cars, certain specialized structures allow you to continue using the asset for business or personal needs. In these setups, the lender records a legal claim against the asset’s title deed or registration records rather than placing it in physical storage. This approach is highly useful for business owners who need to keep their vehicles moving to maintain operational momentum.
Who should consider asset-secured capital?
This specialized financial path is designed for independent business operators, professionals, and individuals with high turnover who prioritize speed and execution.
Overcoming Irregular Income Hurdles
Entrepreneurs often encounter situations where their capital is tied up in outstanding client invoices or long-term corporate projects. If you need immediate cash flow to secure a new business contract or cover a short-term operational gap, waiting for traditional banks can cause you to miss the opportunity. Leveraging a personal asset lets you bridge the gap safely and quickly.
Protecting Your Credit Profile
Because asset-backed choices rely entirely on the value of the physical asset, they do not create long-term debt on your personal credit record. This makes them a highly effective option for individuals who want to raise short-term capital without affecting their broader corporate credit lines or balance sheet structures.
Structural variations: Property loans vs. asset loans
When planning your capital strategy, it is useful to understand how a loan against general goods compares to a loan secured against fixed property.
Loan Against Property: High capital values, extensive paperwork, longer processing timelines.
Loan Against Goods: Moderate capital values, minimal paperwork, rapid 24-72 hour
A loan against property requires extensive legal checks, deeds office registrations, and formal affordability assessments, making it ideal for large, long-term capital needs. In contrast, a loan against personal goods prioritizes speed and simplicity, making it the preferred choice for immediate, short-term liquidity requirements.
Risk management and transparency
Pledging a valuable asset as collateral requires a clear strategy and a transparent understanding of the agreement terms. Building trust through clear communication is a core principle at New Heights Finance.
The main risk to understand is that if you default on the agreement, the underlying lender is legally entitled to sell the asset to recover their capital. It is essential to ensure your repayment timeline aligns with a clear, incoming cash flow event.
As a registered independent broker, our role is to help you review the terms transparently, navigate the process safely, and connect you with compliant lenders who operate fully within regulatory guidelines.
FAQ
What is a loan against goods or assets?
A loan against goods is a short-term financing option where you use a valuable personal item – such as jewellery, a vehicle, or high-end electronics – as collateral. Approval is based on the appraised market value of the item rather than your personal income or credit score.
Do I get to keep my items while the loan is active?
For items like jewellery and watches, the asset is placed in secure, insured vault storage during the agreement. For vehicles, certain structures allow you to continue driving the vehicle while the lender holds the registration papers as security.
How much money can I borrow against my assets?
Lenders typically offer between 30% and 70% of the verified market value of your item. The exact percentage depends on the item’s condition, current market demand, and resale liquidity.
Will a loan against assets affect my credit score?
No. Because these agreements are fully secured by the physical asset, alternative lenders rarely require extensive credit bureau checks, and the transaction does not impact your long-term personal credit record.
Unlock the Capital in Your Asset Portfolio
If you have luxury jewellery, a paid-up vehicle, or high-value business assets and need cash quickly, New Heights Finance can help you navigate the process safely. We connect you with verified, compliant lenders who look at the value of what you own, rather than just your monthly payslip. Explore your options to find out what’s possible.
We use cookies on our website to give you the most relevant experience by remembering your preferences and repeat visits. By clicking “Accept All”, you consent to the use of ALL the cookies. However, you may visit "Cookie Settings" to provide a controlled consent.
This website uses cookies to improve your experience while you navigate through the website. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may affect your browsing experience.
Necessary cookies are absolutely essential for the website to function properly. These cookies ensure basic functionalities and security features of the website, anonymously.
Cookie
Duration
Description
cookielawinfo-checkbox-analytics
11 months
This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Analytics".
cookielawinfo-checkbox-functional
11 months
The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional".
cookielawinfo-checkbox-necessary
11 months
This cookie is set by GDPR Cookie Consent plugin. The cookies is used to store the user consent for the cookies in the category "Necessary".
cookielawinfo-checkbox-others
11 months
This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Other.
cookielawinfo-checkbox-performance
11 months
This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Performance".
viewed_cookie_policy
11 months
The cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. It does not store any personal data.
Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features.
Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors.
Analytical cookies are used to understand how visitors interact with the website. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc.
Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. These cookies track visitors across websites and collect information to provide customized ads.
